1 - vcp594 - compbenefits

CBC-Grp-Cert.001 VCP5941

CompBenefits Company

A Prepaid Limited Health Service OrganizationLicensed Under Chapter 636, Florida Statutes

Certificate of Benefits

This certificate outlines the features of the Group Vision Contract issued to your Group byCompBenefits Company. Read it carefully to become familiar with Your coverage. In thisCertificate, the masculine pronouns include both masculine and feminine gender unless thecontext indicates otherwise. Your coverage may be terminated or amended in whole or in partunder the terms and provisions of the Contract. If you should have any questions, or to obtaincoverage information or assistance in resolving complaints, please call (800) 865-3676.

_______________________Gerald L. Ganoni

President


DEFINITIONS

Copayment- the amount paid by Member for services rendered or materials purchased.

Contract- means the written agreement between CompBenefits Company and the Group.

Contribution- a periodic payment due to CompBenefits Company by or on behalf of Member to receive benefits asprovided by the Certificate.

Dependent– means any of the following persons: your spouse; your children; from birth to age 26 and dependentupon you for support; 26 years of age but under 26 years of age, if the child meets all of the following: the child isdependent upon you for support; and the child is living in your household, or the child is a full-time or part-timestudent. A child also includes adopted children, as well as stepchildren or foster children living with the Subscriberin a parent-child relationship.

Group- means the aggregate of individuals eligible to be covered under the Plan as established by the terms of theContract.

Member- means the Subscriber and covered Dependents of a Subscriber.

Plan, We, Us or Our- means CompBenefits Company

Schedule of Benefits – means the listing of benefits showing what is paid.

Subscriber- an individual in good standing for whom the necessary contributions and Copayments have been madeand to whom a Certificate evidencing coverage has been issued.

VisionCare Plan Network Provider- a licensed optometrist or ophthalmologist under agreement withCompBenefits Company to provide vision services to Plan Members.

LIMITATIONS

The Plan is designed to cover visual needs rather than cosmetic choices. Covered Materials that are lost or brokenwill only be replaced at normal intervals as provided for in the Schedule of Benefits. The Member is responsible forthe following extra items selected, unless otherwise listed as a covered benefit in the Schedule of Benefits. Theseitems include but are not limited to:

* Coated or laminated lenses.

Blended or progressive multifocal lenses.* Tinted or photochromic lenses, sunglasses, prescription and plano. A frame that costs more than the Plan allowance.* Groove, drill or notch, and roll and polish.

EXCLUSIONS

The Plan does not pay benefits for services or materials connected with: Orthoptics or vision training and any associated supplemental testing; Subnormal vision aids, non-prescription or aniseikonic lenses; Contact lenses, except as covered in the Schedule of Benefits; Hi Index, aspheric and non-aspheric styles; Oversized 61 and above lens or lenses; Experimental or non-conventional treatment or device; Medical or surgical treatment of the eyes; Charges incurred after coverage ends; Cosmetic items, unless specifically covered in the Schedule of Benefits; Any injury or illness covered paid any Workers Compensation or similar law; Two pairs of glasses in lieu of bifocals, trifocals or progressives; Services or materials from a provider that is not a VisionCare Plan Network Provider; or


Any services and/or materials required by an employer as a condition of employment.

USING YOUR PLAN

The Member may choose between either the Vision Pass or the Vision Pass w/ ID Card each time prior toservices being received.

Vision Pass: You may obtain a Vision Pass before scheduling an appointment. Vision Pass forms may be requestedby (i) calling the Plan’s Member Services Department at 1-800-865-3676; (ii) connecting to Our Web site atwww.compbenefits.com; (iii) faxing toll free at 1-800-421-0100 or (iv) mailing Us at P.O. Box 30349, Tampa, FL33630-3349.

A Vision Pass Form, valid for sixty (60) days along with a list of VisionCare Plan Network Providers in your area,will be sent to you. Members’ use of benefits under another vision plan will affect determination of benefits underthis Plan. Members must choose a VisionCare Plan Network Provider from the list and schedule an appointment.Please identify yourself as a VisionCare Plan Member and have your group name and policy number available.

Present the original Vision Pass to the VisionCare Plan Network Provider you selected at the time of your firstscheduled appointment. The VisionCare Plan Network Provider will provide the covered service and bill the Plandirectly. You will pay your Copayment and any extra costs for services and materials not covered by the Plan.

Vision Pass w/ ID Card: Before scheduling an appointment, the Member must choose a VisionCare Plan NetworkProvider from the list of the network providers in the Member’s area. The Member must call to schedule anappointment and give the VisionCare Plan Network Provider his/her name, the patient’s name, ID number, and theGroup name and number. After scheduling the appointment, the VisionCare Plan Network Provider’s office verifiesthe Member’s eligibility and benefits before performing the exam. When the exam is completed, the VisionCarePlan Network Provider has the Member sign a claim form. The VisionCare Plan Network Provider submits the formdirectly to the Plan for payment. The Member is responsible for the Copayment and the costs of services andmaterials not covered by the Plan.

Using a Non-VisionCare Plan Network Provider: When an Insured elects to obtain services or purchaseMaterials from a Non-VisionCare Plan Network Provider, payment of benefits are based upon the VisionCare PlanNetwork allowance. The allowances are shown in the Schedule of Benefits. The Insured may pay the Non-VisionCare Plan Network Provider in full for any service and/or Materials at the time the service is rendered or theMaterials are provided and then submit to Us an itemized statement of charges. The Insured is responsible for thecosts and fees associated with covered services or Materials in excess of the allowance as shown in the Schedule ofBenefits, and any services or materials NOT covered by the Policy.

PROBLEM-SOLVING

Informal Grievances

Any Member who has a suggestion for improving services or wishes to register a complaint for any matter arisingout of the Certificate or for covered services rendered or materials received, may submit an informal oral grievanceto the Plan. Assistance with the Plan's grievance procedures, including informal oral grievances, may be obtained bycontacting the Member Services Department at the address and phone number shown below. Informal oralgrievances will be responded to as soon as possible. The Member has the right to file a formal written grievancewith the Plan and to grieve directly to the State of Florida Department of Insurance.

Submission of Formal Grievances

Any Member who has a suggestion for improving services or wishes to register a complaint for any matter arisingout of the Certificate, or for covered services or materials received, may submit a formal written grievance to thePlan. The written grievance must be identified as such and submitted to the Plan’s Grievance Coordinator within one(1) year from the date of the occurrence of the events upon the grievance is based. The grievance must contain theMember's name, address, phone number, ID number, signature, date, and the action requested. Assistance with thePlan's grievance procedures may be obtained by contacting the Member Services Department at the address andphone number shown below.


Response to Formal Grievances

The Grievance Coordinator will investigate the grievance, gather all of the relevant facts review the case with theappropriate parties and respond in writing to the Member and the VisionCare Plan Network Provider, if appropriate,within ten (10) days of completion of the review. If the grievance involves an eyecare related matter or claim, thePlan's Medical Director shall be involved in the resolution. If it involves denial of benefits or services, the writtendecision shall state the specific provisions of this Certificate upon which the denial is based. All grievances shall beprocessed within sixty (60) days, however, if the grievance involves collection of information from outside thePlan's service area, an additional thirty (30) days will be allowed for processing.

Appeal of Decision

If the Member is not satisfied with the formal grievance decision, the Member may request reconsideration by theGrievance Committee and may also request a personal appearance before the Committee. A request forreconsideration must be made within sixty (60) days after receipt of the written decision. In addition, at any time aMember always has the right to grieve directly to the State of Florida Department of Insurance.

Contact Information

CompBenefits Company Florida Department of InsuranceP.O. Box 30349 Consumer AssistanceTampa, FL 33630-3349 200 East Gaines StreetAtt: Member Services Department Tallahassee, FL 32399-032or call, toll free at (800) 865-3676 or call toll free Consumer Hotline at (800) 342-2762

CONVERSION

A Member whose coverage was terminated may receive a converted contract if he was continuously covered underthe Plan for at least three (3) consecutive months immediately prior to termination. The converted contract willprovide coverage and benefits similar to the Contract previously in effect. A Member is not entitled to a convertedcontract if termination occurred for any of the following reasons:

* Failure to pay contributions.* Replacement by similar coverage within thirty-one (31) days.* Material misrepresentation or fraud in applying for any benefit under the Contract.* Disenrollment for cause.* Willful and knowing misuse of the Certificate.* Willful and knowing furnishing to the Plan incorrect information for the purpose of fraudulently obtaining

coverage or benefits.* The Subscriber has left the Plan’s geographic area with the intent to relocate or establish a new residence outside

the Plan’s geographic area.

Subject to the conditions set forth above, the conversion privilege shall also be available to:

* The surviving spouse and/or children, if any, at the death of the Subscriber, with respect to the spouse and suchchildren whose coverages under Plan contract terminate by reason of such death.

* To the former spouse whose coverage would otherwise terminate because of annulment or dissolution ofmarriage, if the former spouse is dependent for financial support.

* To the spouse of the Subscriber upon termination of coverage of the spouse, while the Subscriber remains coveredunder a group contract, by reason of ceasing to be a qualified family member under the group contract.

* To a child solely with respect to himself or herself, upon termination of coverage by reason of ceasing to be aqualified family member under a group contract.


DURATION OF AGREEMENT

Except under the following conditions, this Certificate shall remain in force for a period of not less than twelve (12)months. Except for nonpayment of Contributions or termination of eligibility, the Plan may cancel this Certificatewith forty-five (45) days written notice for the following reasons:

- When a Member commits any action of fraud or material misrepresentation in applying for or presenting any claimfor benefits involving the Plan.

- When a Member’s behavior is disruptive, unruly, abusive, unlawful, fraudulent, or uncooperative to the extent thatthe Member’s continuing participation seriously impairs the ability of a VisionCare Plan Network Provider, toprovide services to the Member and/or to other Members.

- When a Member misuses the documents provided as evidence of benefits available pursuant to the Contract or thisCertificate.

- When a Member furnishes to the Plan incorrect or incomplete information for the purposes of fraudulentlyobtaining services.

- When a VisionCare Plan Network Provider is not available within the immediate geographical area of theSubscriber.

- When reasonable efforts by the Plan to establish and maintain a satisfactory patient relationship are unsuccessful orwhen the Member has indicated unreasonable refusal to accept necessary treatment. When a Member refuses toaccept treatment from two (2) VisionCare Plan Network Providers, proof of unreasonable refusal shall be presumedconclusively.

- Prior to cancellation, the Plan shall make every effort to resolve the problem through its grievance procedure andto determine that the Member’s behavior is not due to use of the vision care services provided or mental illness.

Coverage for a Member will end on the earlier of:

* On the date the Group tells Us that the Member ceases to be eligible for coverage.* The last day of the month in which a Dependent of Subscriber is no longer a Dependent as defined.* Subject to the grace period provision, the last day of the month for which a premium has been paid.* The date coverage ends for any class or group to which Subscriber belongs.* The date the Contract ends.

EXTENSION OF BENEFITS

Cancellation of this Certificate by the Plan is without prejudice to any continuous loss which commenced whilethis Certificate was in force. VisionCare Plan Network Providers shall complete all procedures undertaken upon theMember, until the specific treatment or procedure is completed or for ninety (90) days, whichever occurs first.

CONTINUATION OF COVERAGE

Unless cancellation of this Certificate is made for reasons specified in the Section entitled “Duration of Agreement”,Members for whom appropriate Contributions and Copayments are paid will have their Certificates automaticallyrenewed at the expiration of the first twelve (12) months. The following conditions also will apply:

At the attainment of the applicable age, coverage as a Dependent shall be extended if the individual is and continuesto be both (1) incapable of self-sustaining employment by reason of mental retardation or physical handicap; and (2)dependent upon the Subscriber for support and maintenance, provided proof of such incapacity and dependency is


furnished to the Plan within thirty-one (31) days of the Dependent’s attainment of the limiting age and subsequentlyas may be required by the Plan but not more frequently than once every two years.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) for employers size 20+ requires thatcertain employers maintaining group medical plans offer employees and their Dependents the opportunity tocontinue their coverage when such coverage ends under certain conditions. More information about COBRAcontinuation can be obtained from your employer.

EFFECTIVE DATE OF COVERAGE

If you qualify under the rules of your group medical insurance and have selected to receive vision care benefitsunder this Plan, you will be covered on the later of:

The first of the month following the date first eligible for coverage.

The date CompBenefits Company accepts your enrollment if you are not enrolled within 30 days of becomingeligible.

Dependents will be covered on the later of:

The date you first acquire a new Dependent.

The date the Plan accepts a new Dependent’s enrollment if the Dependent is not enrolled within 30 days ofbecoming eligible.

Newborn Child- A child born to you or your Dependent spouse is covered from the moment of birth for 30 days. Ifyou elect to cover your newborn under this Plan, you must enroll the child within 60 days from the date of birth andpay the additional premium, if any, or coverage for that child will terminate at the end of the 30 day period.

Adopted Child- A child placed with you for adoption will be covered from the earlier of: 1) the date of birth if apetition for adoption is filed within 30 days of the birth of such child; 2) the date you gain custody of the child undera temporary court order that grants you conservatorship of the child; or 3) the date the child is placed with you foradoption; and additional premium, if any, is paid.

COORDINATION WITH OTHER BENEFITS

APPLICABILITY

This Coordination With Other Benefits provision applies to This Plan when you or your covered Dependents havevision care coverage under more than one Plan. For the purposes of this section only, "Plan" and "This Plan" aredefined below. If this provision applies, the Order of Benefit Determination Rules should be looked at first. Thoserules determine whether the benefits of This Plan are determined before or after those of another Plan. The benefitsof This Plan: (a) will not be reduced when, under the Order of Benefit Determination Rules, This Plan determines itsbenefits before another Plan; but (b) may be reduced when, under the Order of Benefit Determination Rules, anotherPlan determines its benefits first. The above reduction is described in the Section entitled Effect on the Benefits ofthis Plan.

DEFINITIONS

A "Plan" is any group insurance or group type insurance, whether insured or uninsured, which provides benefits for,or because of, visual care specifically related to a vision exam, lenses and frames. This also includes 1) group orgroup-type coverage through HMOs and other prepayment, group practice and individual practice plans; and 2)group coverage under labor-management trusteed plans, union welfare plans, employer organization plans,employee benefit organization plans or self insured employee benefit plans. It does not include school accidenttype coverages, coverage under any governmental plan required or provided by law, or any state plan under


Medicaid. Each contract or other arrangement for coverage is a separate Plan. Also, if an arrangement has two partsand coordination applies only to one of the two, each of the parts is a separate Plan.

"This Plan" means this Certificate.

"Primary Plan''/"Secondary Plan''. The Order of Benefit Determination Rules state whether This Plan is a PrimaryPlan or Secondary Plan as to another Plan covering the person. When This Plan is a Primary Plan, its benefits aredetermined before those of the other Plan and without considering the other Plan's benefits. When This Plan is aSecondary Plan, its benefits are determined after those of the other Plan and may be reduced because of the otherPlan's benefits. When there are more than two Plans covering the person, This Plan may be a Primary Plan as to oneor more other Plans, and may be a Secondary Plan as to a different Plan or Plans.

"Allowable Expenses" means the allowed amount as shown in the Schedule of Benefits or the amountCompBenefits Company is obligated to pay the Vision Care Plan Network Provider for the service or materialpursuant to the terms of the parties written agreement.

"Claim Determination Period" means a benefit year. However it does not include any part of a year during which aperson has no coverage under This Plan, or any part of a year before the date this provision or a similar provisiontakes effect.

ORDER OF BENEFIT DETERMINATION RULES

This Plan determines its order of benefits using the first of the following rules which applies:

(a) The benefits of the Plan which covers the person as an employee, member or subscriber (that is, other than as adependent) are determined before those of the Plan which covers the person as a dependent; except that if the personis also a Medicare beneficiary, Medicare is secondary to the Plan covering the person as a dependent and primary tothe Plan covering the person as other than a dependent, then the benefits of the Plan covering the person as adependent are determined before those of the Plan covering that person as other than a dependent. Except in thecase of legal separation or divorce (further described below), when This Plan and another Plan cover the same childas a dependent of different persons, called "parents": (1) the benefits of the Plan of the parent whose birthday fallsearlier in a year are determined before those of the Plan of the parent whose birthday falls later in that year; but (2) ifboth parents have the same birthday, the benefits of the Plan which covered the parent longer are determined beforethose of the Plan which covered the other parent for a shorter period of time. However, if the other Plan does nothave the rule described immediately above, and if, as a result, the Plans do not agree on the Order of Benefits, therule in the other Plan will determine the order of benefits.

(b) If two or more Plans cover a person as a dependent child of divorced or separated parents, benefits for the childare determined in this order: (1) first, the Plan of the parent with custody of the child; (2) then, the Plan of the spouseof the parent with custody of the child; and (3) finally, the Plan of the parent not having custody of the child.However, if the specific terms of a court decree state that one of the parents is responsible for the health careexpenses of the child, and the entity obligated to pay or provide the benefits of the Plan of that parent has actualknowledge of those terms, the benefits of that Plan are determined first. This paragraph does not apply with respectto any Claim Determination Period or Plan Year during which any benefits are actually paid or provided before theentity has that actual knowledge.

(c) The benefits of a Plan which covers a person as an employee who is neither laid off, retired or continuingcoverage under a right of continuation (or as a dependent of the person) are determined before those of a Plan whichcovers that person as a laid off, retired or continuing coverage (or as a dependent of that person). If the other Plandoes not have this rule, and if, as a result, the Plans do not agree on the Order of Benefits, this rule is ignored.

(d) If none of the above rules determines the Order of Benefits, the benefits of the Plan which covered anemployee, member, or subscriber longer are determined before those of the Plan which covered that person for theshorter time.


EFFECT ON THE BENEFITS OF THIS PLAN

This section applies when this Plan is a Secondary Plan to one or more other Plans. In the event the benefits of ThisPlan may be reduced under this section. Such other Plan or Plans are referred to as ''the Other Plans".

The benefits of This Plan will be reduced when the sum of: (a) the benefits that would be payable for the AllowableExpenses under This Plan in the absence of this provision; and (b) the benefits that would be payable for theAllowable Expenses under the other plans, in the absence of provisions with a purpose like that of this provision,whether or not claim is made; exceeds those Allowable in a Claim Determination Period. In that case, the benefits ofThis Plan will be reduced so that they and the benefits payable under the Other Plans do not total more than thoseAllowable Expenses. When the benefits of This Plan are reduced as described above, each benefit is reduced inproportion. It is then charged against any applicable benefit limit of This Plan.

RIGHT TO RECEIVE AND RELEASE NEEDED INFORMATION

Certain facts are needed to apply these rules. The Plan has the right to decide which facts are needed. CompBenefitsCompany may get needed facts from, or give them to, any other organization or person. CompBenefits Companyneed not tell, or get the consent of, any person to do this. Each person claiming benefits under This Plan must giveCompBenefits Company any facts deemed necessary to pay the claim.

FACILITY OF PAYMENT

A payment made under another Plan may include an amount which should have been paid under This Plan. If itdoes, CompBenefits Company may pay that amount to the organization which made that payment. That amountwill then be treated as though it were a benefit paid under This Plan. CompBenefits Company will not have to paythat amount again. The term "payment made" includes providing benefits in the form of services, in which case,"payment made" means reasonable cash value of the benefits provided in the form of services.

RIGHT OF RECOVERY

If the amount of the payments made by CompBenefits Company are more than should have paid under thisprovision, CompBenefits Company may recover the excess from one or more of: (a) the persons for whom paymenthas been made; (b) insurance companies or other organizations providing benefits under another Plan.

CONTRIBUTIONS AND COPAYMENTS

Payments- It is agreed that in order for Member to be eligible for and entitled to receive benefits provided by thisCertificate, The Plan must receive all Contributions in advance. The VisionCare Plan Network Provider mustreceive all Copayments for services rendered or materials obtained under the terms of the Plan.

Grace Period- The Contract under which this Certificate is issued has a thirty (30) day grace period. This provisionmeans that if any required Contribution is not paid on or before the date it is due, it may be paid subsequently duringthe grace period. During the grace period, the Contract and this Certificate will stay in force. If full payment is notreceived within the thirty (30) day grace period, coverage will be terminated effective the first day of the graceperiod. Subscriber will be liable for the cost of all services and materials received during the grace period.

Reinstatement – Subscribers whose coverage is terminated for non-payment of Contributions prior to the expirationof thirty (30) day grace period only may have their coverage reinstated if a request for reinstatement is submitted bythe Group for consideration by the Plan. The Plan may or may not agree to such request.

CHANGES IN CONTRIBUTIONS AND BENEFITS

Contract Changes- The Plan may increase Copayments or delete, amend, or limit any benefits under the Contractupon not less than 90 days prior written notice to the Group prior to renewal of the Contract. It is the responsibilityof the Group to notify all Members of any such changes to the Contract.


Premium Changes- Contributions charged by CompBenefits Company for coverage under the Plan may bechanged upon not less than 90 days advance written notice to the Group. It is the responsibility of the Group tonotify all Members of such change in Contributions.

GENERAL PROVISIONS

Incontestability – In the absence of fraud, all statements made by the Subscriber are considered representations andnot warranties during the first two years of coverage. The Plan may avoid providing coverage at any time ifSubscriber makes a fraudulent statement in a written application.

Conformity with Florida Law- This Certificate shall be interpreted in accordance with the laws of the State ofFlorida and any action or claim, including arbitration, shall be brought within the State of Florida. Any statute, act,ordinance, rule or regulation of any governmental authority with jurisdiction over CompBenefits Company shallhave the effect of amending this Certificate to conform with the minimum requirements thereof. In the event anyportion of this Certificate is held to be void, it shall not affect any other provisions.

Notice of Independent Contractor Relationship – The Plan assumes responsibility of fulfilling the terms of thisCertificate. VisionCare Plan Network Providers are independent contractors, and the Plan cannot be held responsiblefor any damages incurred as a result of tort, negligence, breach of contract, or malpractice by a VisionCare PlanNetwork Provider for any damage which result from any defective or dangerous condition in or about any facilitywhich services are rendered or materials are provided hereunder.

Worker’s Compensation Act – The coverage under the Contract is not in lieu of and does not affect anyrequirement for coverage by any Worker’s Compensation Act, or other similar legislation.

SCHEDULE OF BENEFITS

The following vision services and materials are only covered when provided by a VisionCare Plan NetworkProvider. The Member is responsible for payment of the applicable Copayment, if any.

Vision Examinations - Each Insured is eligible for a comprehensive eye examination which shall include: 1)personal and family medical and ocular history; 2) visual acuity (unaided or acuity with present correction); 3)external exam; 4) pupillary exam; 5) visual field testing (confrontation); 6) internal exam (direct or indirectophthalmoscopy recording cup disc ratio, blood vessel status and any abnormalities: 7) biomicroscopy (i.e. covertest); 8) tonometry; 9) refraction (with recorded visual acuity); 10) extra ocular muscle balance assessment; 11)diagnosis and treatment plan. We will cover such service once in any 12 month period.

Materials - Where the vision examination shows new lenses or frames or both are necessary for proper visualhealth, such Materials will be covered, together with certain services as necessary. Services include, but are notlimited to: (1) prescribing and ordering proper lenses; (2) assisting with selection of frames; (3) verifying accuracyof finished lenses; (4) proper fitting and adjustments.

Lenses - We will pay for one pair of prescription lenses once in any 12 month period.

Frames - We will pay for a new frame once in any 12 month period. The VisionCare Plan Network Provider willshow the Insured the frames that the Plan covers in full. VisionCare Plan Providers can also order any currentlyprovided frame that an Insured may find elsewhere. If an Insured selects a frame that costs more than the amountthe Plan covers, the Insured is responsible for the difference in cost.

Contact lenses when necessary – We will pay for one pair of contact lenses under the following circumstances andonly if prior authorization from the Plan is obtained: 1) following cataract surgery without intraocular lens; 2)correction of extreme visual acuity problems not correctable with glasses; 3) Anisometropia greater than 5.00diopters and aesthenopia or diplopia, with spectacles; 4) Keratoconus; or 5) monocular aphakia and/or binocularaphakia where the doctor certifies contact lenses are medically necessary for safety and rehabilitation to a productivelife. Replacement will not be more often than once in any 12 month period and only if prior authorization isobtained from the Plan.


Contact lenses when elective - Benefits include: (1) The cost of an annual vision examination, subject to theCopayment; and (2) the cost of contact lenses, any fitting cost and follow-up visit up to a maximum of $130.00, notsubject to the Copayment. This benefit is in lieu of all other benefits and not available when benefits for eyeglassesare received. Replacement will not be more often than once in any 12 month period.

Co-Payment - An Insured's Co-payment is:

1. Vision Examination $15

2. Materials $0


COMPBENEFITS INSURANCE COMPANY

100 Mansell Court East Roswell, GA 30076 (800) 865-3676

CERTIFICATE

OF

GROUP VISION INSURANCE

This Certificate outlines the features of the Group Vision Insurance Policy issued to the Policyholder byCompBenefits Insurance Company (hereinafter referred to as “CompBenefits”). Read it carefully to become familiarwith Your coverage. In this Certificate, the masculine pronouns include both masculine and feminine gender unlessthe context indicates otherwise. Your coverage may be terminated or amended in whole or in part under the termsand provisions of the Policy.

If you should have any questions, or to obtain coverage information or assistance in resolving complaints, please call(800) 865-3676.

Signed for CompBenefits Insurance Company

Gerald L. GanoniPresident


TABLE OF CONTENTS

Section I- Definitions …………………………………………………………………... 2Section II- Becoming Insured ……………………………………………………….…. 3Section III- Procedures for Using Benefits ………………………………………….…. 3Section IV- Limitations and Exclusions …………………………………………….…. 4Section V- Coordination With Other Benefits ………………………………………… 4Section VI- Premiums …………………………………………………………….……. 6Section VII- Claims ……………………………………………………………………. 7Section VIII-Notice of Continuation of Group Health Coverage Rights (COBRA) …... 7Section IX- General Provisions ………………………………………………………… 8

SECTION I - DEFINITIONS

Copayment- means the amount an Insured is required to pay when a covered service is rendered or coveredMaterials are purchased.

Dependent- means any of the following persons:

1. Your spouse;2. Your child;

a) from birth to age 26 and dependent upon You for support; orb) 26 years of age but under 26 years of age, if dependent upon You for support and a full-time or part-time

student or residing in your household; orc) at least 26 years of age and:

i. primarily dependent upon You for support because of mental or physical handicap;ii. was incapacitated and insured under Policy on his 19th birthday; andiii. continues to be incapacitated beyond his 19th birthday.

A child also includes adopted children, as well as stepchildren, children placed in court-ordered custody, includingfoster children, living with You in a parent-child relationship.

Group- means the aggregate of individuals eligible to be covered under the Policy. Group also refers to thesubgroup participating under the Policy for the benefit of its group members.

Insured- means You and Your Dependent(s) covered under the Policy.

Materials- means lenses, frame and contact lenses covered under the Policy.

Policy- means the Policy issued to the Policyholder.

Policyholder – means the Group to whom the Policy has been issued.

Schedule of Benefits - means the listing of benefits showing what is paid.

“You” and “Your” means the Certificateholder.

“We”, “Our”, “Us”, and "Plan" means CompBenefits.

SECTION II - BECOMING INSURED

Your Coverage Begins- You and Your Dependents are covered at 12:01 a.m. on the later of:


1. The first of the month following the date first eligible for coverage;2. The date We accept Your enrollment, if You are not enrolled within 30 days of becoming eligible;3. The date You first acquire a new Dependent;4. The date We accept a Dependent’s enrollment, if he is not enrolled within 30 days of becoming

eligible.

Newborn Child- A child born to You or a covered Dependent is covered from the moment of birth for 30 days. Iftimely notice is given, Plan may not charge an additional premium for coverage of the newborn child for duration ofthe notice period. If timely notice is not given, Plan may charge an additional premium from the date of birth. Ifnotice is given within 60 days of the birth of the child, Plan may not deny coverage for a child due to the failure ofthe Plan to timely notify the Plan of the birth the child.

Adopted Children, Foster Children- Benefits applicable to Your Dependent children also apply to an adoptedchild, court-ordered child or foster child placed in compliance with chapter 63, from the moment of placement inYour residence. In the case of a newborn child, coverage begins at the moment of birth if a written agreement toadopt such child has been entered into by You prior to the birth of the child, whether or not the agreement isenforceable. This section does not require coverage for an adopted child who is not ultimately placed in Yourresidence in compliance with chapter 63.

You must notify Us of the birth or placement of the adopted child not less than 30 days after the birth or placementin Your residence of a child adopted by You. If timely notice is given, We may not charge an additional premiumfor coverage of the child for the duration of the notice period. If timely notice is not given, We may charge anadditional premium from the date of birth or placement. If notice is given within 60 days of the birth or placement ofthe child, We may not deny coverage for the child due to Your failure to timely notify Us of the birth or placementof the child.

Your Coverage Ends- Coverage for You and/or Your Dependent will end at 12:01 a.m. on the earlier of:

1. On the date the Policyholder tells Us that You and/or Your Dependent cease to be eligible for coverage;2. The last day of the month in which Your Dependent is no longer a Dependent as defined;3. Subject to the Grace Period provision, the last day of the month for which a premium has been paid; or4. The date coverage ends for any class or Group to which You belong; or5. The date the Policy ends.

If Your coverage ends it will not prejudice any existing claim. If service is being rendered at the time coverage endsfor an Insured, We will continue to reimburse for such service to completion, but in no event beyond a 3-monthperiod following the date coverage ended.

SECTION III - PROCEDURES FOR USING BENEFITS

The Insured may receive covered services and Materials from a licensed Optometrist or Ophthalmologist of hischoice. The Insured may pay the provider in full for any service and/or Materials at the time the service is renderedor the Materials are provided and then submit to Us an itemized statement of charges. We will reimburse coveredservices and Materials only up to the allowance, as shown in the Schedule of Benefits, after deduction of theapplicable Copayment. The Insured is responsible for the Copayment, the costs and fees associated with coveredservices or Materials in excess of the allowance as shown in the Schedule of Benefits, and any services or materialsNOT covered by the Policy. Determination of benefits under this Plan will be affected if a covered service orMaterial was provided under another vision plan.

SECTION IV-LIMITATIONS AND EXCLUSIONS

Limitations - In no event will coverage exceed the lesser of:

1. The actual cost of covered services or Materials;2. The limits of the Policy, shown in the Schedule of Benefits; or3. The allowance as shown in the Schedule of Benefits.


Materials covered by the Policy that are lost or broken will only be replaced at normal intervals as provided for inthe Schedule of Benefits.

We will pay only for the basic cost for lenses and frames covered by the Policy. The Insured is responsible for extrasselected, including but not limited to:

1. Blended lenses;2. Progressive multifocal lenses;3. Photochromatic lenses; tinted lenses, sunglasses, prescription and plano;4. Coating of lens or lenses;5. Laminating of lens or lenses;6. Groove, Drill or Notch, and Roll and Polish;

unless otherwise specifically listed as a covered benefit in the Schedule of Benefits.

Exclusions - We will not cover:

1. Orthoptic or vision training and any associated supplemental testing;2. Two pair of glasses, in lieu of bifocals, trifocals or progressives;3. Medical or surgical treatment of the eyes;4. Any services and/or materials required by an Employer as a condition of employment;5. Any injury or illness paid under any Workers’ Compensation or similar law;6. Sub-normal vision aids, aniseikonic lenses or non-prescription lenses;7. Charges incurred after: (a) the Policy ends; or (b) the Insured’s coverage under the Policy ends,

except as stated in the Policy.8. Experimental or non-conventional treatment or device;9. Contact lenses, except as specifically covered by the Policy;10. Hi Index, aspheric and non-aspheric styles11. Oversized 61 and above lens or lenses;12. Cosmetic items, unless otherwise specifically listed as a covered benefit in the Schedule of

Benefits.

SECTION V-COORDINATION WITH OTHER BENEFITS

1. APPLICABILITY.

This Coordination With Other Benefits provision applies to This Plan when You or Your covered dependents havevision care coverage under more than one Plan. For the purposes of this section only, "Plan" and "This Plan" aredefined below. If this provision applies, the Order of Benefit Determination Rules should be looked at first. Thoserules determine whether the benefits of This Plan are determined before or after those of another Plan. The benefitsof This Plan: (a) will not be reduced when, under the Order of Benefit Determination Rules, This Plan determines itsbenefits before another Plan; but (b) may be reduced when, under the Order of Benefit Determination Rules, anotherPlan determines its benefits first. The above reduction is described in Section 4, Effect on the Benefits of This Plan.

2. DEFINITIONS.

A "Plan" is any group insurance or group type insurance, whether insured or uninsured, which provides benefits for,or because of, vision care or treatment. This also includes 1) group or group-type coverage through HMOs andother prepayment, group practice and individual practice plans; and 2) group coverage under labor-managementtrusteed plans, union welfare plans, employer organization plans, employee benefit organization plans or self insuredemployee benefit plans. It does not include school accident type coverages, coverage under any governmental planrequired or provided by law, or any state plan under Medicaid. Each contract or other arrangement for coverage is aseparate Plan. Also, if an arrangement has two parts and coordination applies only to one of the two, each of theparts is a separate Plan.

"This Plan" means this Policy.

"Primary Plan''/"Secondary Plan''. The Order of Benefit Determination Rules state whether This Plan is a PrimaryPlan or Secondary Plan as to another Plan covering the person. When This Plan is a Primary Plan, its benefits aredetermined before those of the other Plan and without considering the other Plan's benefits. When This Plan is a


Secondary Plan, its benefits are determined after those of the other Plan and may be reduced because of the otherPlan's benefits. When there are more than two Plans covering the person, This Plan may be a Primary Plan as to oneor more other Plans, and may be a Secondary Plan as to a different Plan or Plans.

"Allowable Expenses" means the allowed amount as shown in the Schedule of Benefits.

"Claim Determination Period" means a benefit year. However it does not include any part of a year during which aperson has no coverage under This Plan, or any part of a year before the date this provision or a similar provisiontakes effect.

3. ORDER OF BENEFIT DETERMINATION RULES.

This Plan determines its order of benefits using the first of the following rules which applies:

(a) The benefits of the Plan which covers the person as an employee, member or subscriber (that is, other than as adependent) are determined before those of the Plan which covers the person as a dependent; except that if theperson is also a Medicare beneficiary, Medicare is secondary to the Plan covering the person as a dependent andprimary to the Plan covering the person as other than a dependent, then the benefits of the Plan covering theperson as a dependent are determined before those of the Plan covering that person as other than a dependent.Except in the case of legal separation or divorce (further described below), when This Plan and another Plancover the same child as a dependent of different persons, called "parents":(1) the benefits of the Plan of the parent whose birthday falls earlier in a year are determined before those of

the Plan of the parent whose birthday falls later in that year; but(2) if both parents have the same birthday, the benefits of the Plan which covered the parent longer are

determined before those of the Plan which covered the other parent for a shorter period of time. However,if the other Plan does not have the rule described immediately above, and if, as a result, the Plans do notagree on the Order of Benefits, the rule in the other Plan will determine the order of benefits.

(b) If two or more Plans cover a person as a dependent child of divorced or separated parents, benefits for the childare determined in this order: (1) first, the Plan of the parent with custody of the child; (2) then, the Plan of thespouse of the parent with custody of the child; and (3) finally, the Plan of the parent not having custody of thechild. However, if the specific terms of a court decree state that one of the parents is responsible for the healthcare expenses of the child, and the entity obligated to pay or provide the benefits of the Plan of that parent hasactual knowledge of those terms, the benefits of that Plan are determined first. This paragraph does not applywith respect to any Claim Determination Period or Plan Year during which any benefits are actually paid orprovided before the entity has that actual knowledge.

(c) The benefits of a Plan which covers a person as an employee who is neither laid off, retired or continuingcoverage under a right of continuation (or as a dependent of the person) are determined before those of a Planwhich covers that person as a laid off, retired or continuing coverage (or as a dependent of that person). If theother Plan does not have this rule, and if, as a result, the Plans do not agree on the Order of Benefits, this rule isignored.(d)If none of the above rules determines the Order of Benefits, the benefits of the Plan which coveredan employee, member, or subscriber longer are determined before those of the Plan which covered that personfor the shorter time.

4. EFFECT ON THE BENEFITS OF THIS PLAN.

This section applies when, in accordance with Section 3. Order of Benefit Determination Rules, This Plan is aSecondary Plan to one or more other Plans. In the event the benefits of This Plan may be reduced under this section.Such other Plan or Plans are referred to as ''the Other Plans".

The benefits of This Plan will be reduced when the sum of: (a) the benefits that would be payable for the AllowableExpenses under This Plan in the absence of this provision; and (b) the benefits that would be payable for theAllowable Expenses under the other plans, in the absence of provisions with a purpose like that of this provision,whether or not claim is made; exceeds those Allowable in a Claim Determination Period. In that case, the benefits ofThis Plan will be reduced so that they and the benefits payable under the Other Plans do not total more than thoseAllowable Expenses. When the benefits of This Plan are reduced as described above, each benefit is reduced inproportion. It is then charged against any applicable benefit limit of This Plan.


5. RIGHT TO RECEIVE AND RELEASE NEEDED INFORMATION.

Certain facts are needed to apply these rules. CompBenefits has the right to decide which facts are needed.CompBenefits may get needed facts from, or give them to, any other organization or person. CompBenefits need nottell, or get the consent of, any person to do this. Each person claiming benefits under This Plan must giveCompBenefits any facts deemed necessary to pay the claim.

6. FACILITY OF PAYMENT.

A payment made under another Plan may include an amount which should have been paid under This Plan. If itdoes, CompBenefits may pay that amount to the organization which made that payment. That amount will then betreated as though it were a benefit paid under This Plan. CompBenefits will not have to pay that amount again. Theterm "payment made" includes providing benefits in the form of services, in which case, "payment made" meansreasonable cash value of the benefits provided in the form of services.

7. ERRORS RELATED TO YOUR COVERAGE.

The Plan has the right to correct benefit payments made in error. Providers and/or You have the responsibility toreturn any overpayments to the Plan. The Plan has the responsibility to make additional payment if anyunderpayments have been made.

SECTION VI-PREMIUMS

Premium Payments - All premiums are payable in advance for coverage under the Policy on the first day of eachcalendar month in accordance with the premium rate schedules of CompBenefits in effect for each premium duedate.

Grace Periods - A grace period of 31 days is allowed for payment of each premium due after the first premium,during such grace period the Policy shall continue in force, unless the Group has given the Plan written notice ofdiscontinuance in advance of the date of discontinuance and in accordance with the terms of the Policy. If anypremium is not paid prior to the end of the grace period, the coverage to which the premium applies will lapse at theend of the grace period. We will charge a pro-rata premium for the time coverage under the Policy remained in forcefor any Group during such grace period.

Change in Premiums - Premiums are payable to CompBenefits or Our authorized agent. Premiums may beincreased for a Policy period on the anniversary date of the Policy. Notice of the maximum amount of a premiumincrease will be mailed to the Policyholder not less than 90 days prior to the anniversary of the Policy period.

Reinstatement - If any renewal premium is not paid within the time granted the Policyholder for payment, asubsequent acceptance of premium by CompBenefits or by any agent authorized by CompBenefits to accept suchpremium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy;provided, that if CompBenefits or such agent requires an application for reinstatement and issues a conditionalreceipt for the premium tendered, the Policy will be reinstated upon approval of such application by CompBenefits,or lacking approval, upon the forty-fifth day following the date of such conditional receipt unless CompBenefits haspreviously notified the Policyholder in writing of its disapproval of such application. The reinstated policy shallcover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss dueto such sickness as may begin more than ten (10) days after such date. In all other respects, the Policyholder andCompBenefits shall have the same rights thereunder as they had under the Policy immediately before the due date ofthe defaulted premium, subject to any provisions endorsed hereon or attached hereto in connection with thereinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for whichpremium has not been previously paid, but not to any period more than sixty (60) days prior to the date ofreinstatement.

Termination - This Policy may be terminated if CompBenefits elects to discontinue offering this type of groupinsurance coverage by this form of Policy or if CompBenefits elects to discontinue all types of coverage, inaccordance with applicable state and federal laws. You will receive at least one hundred-eighty (180) days advancenotice prior to such discontinuance. Unless otherwise permitted under state law, except for nonpayment of therequired premium or the failure to meet continued underwriting standards, CompBenefits will not terminate thisPolicy prior to the first anniversary date of the Effective Date of the Policy as specified herein. Termination byCompBenefits will be without prejudice to any expenses originating prior to the effective date of termination.


This section does not apply to a termination for nonpayment of premium by the Policyholder. In the event that thePolicyholder fails in a timely manner to pay premiums, the Policy will terminate on the expiration date of the graceperiod.

SECTION VII-CLAIMS

Notice of Claim - Written notice of claim must be given to Us within 60-days after the occurrence orcommencement of loss covered by the Policy, or as soon thereafter as reasonably possible. Notice given by or onbehalf of You or Your beneficiary to Us at P.O. Box 30349, Tampa, FL 33630-3349, or to Our authorized agent,with information sufficient to identify the Insured, shall be deemed notice to Us.

Claim Forms - You can get the forms You need for claiming benefits by calling Us at (800) 865-3676 or writing Usat P.O. Box 30349, Tampa, FL 33630-3349. If the forms are not sent to You before the expiration of 15 days afterthe giving of notice, You shall be deemed to have complied with the requirements of the Policy as to proof of lossupon submitting, within the time fixed in the Policy for filing proof of loss, written proof covering the occurrence,character, and extent of the loss for which claim is made.

Time of Payment of Claims - Indemnities payable under this Policy for any loss, other than loss for which thePolicy provides any periodic payment, will be paid immediately upon receipt of due written proof of such loss.Subject to due written proof of loss, all accrued indemnities for loss for which the Policy provides periodic paymentwill be paid monthly and any balance remaining unpaid upon the termination of liability will be paid immediatelyupon receipt of due written proof.

Proof of Loss – Written proof of loss must be furnished to Us at P.O. Box 30349, Tampa, FL 33630-3349 in thecase of claim for loss for which the Policy provides any periodic payment contingent upon continuing loss within90-days after the termination period for which We are liable and, in the case of claim for any other loss, within 90-days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduceany claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soonas reasonably possible and in no event, except in the absence of legal capacity, later than one year from the timeproof is otherwise required.

Legal Action - No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60days after written proof of loss has been furnished in accordance with the requirements of the Policy. No such actionshall be brought after the expiration of the applicable statute of limitations from the time written proof of loss isrequired to be furnished.

SECTION VIII- NOTICE OF CONTINUATION OF GROUP HEALTHCOVERAGE RIGHTS (COBRA) FOR GROUPS SIZE 20 OR MORE

If Your insurance terminates in accordance with the other terms of this Policy, it will be reinstated as of the date oftermination if You elect to continue the insurance in force as described in this section. You may elect to continueinsurance if You are currently insured under this Policy, and if such insurance is terminating due to any of thefollowing Qualifying Events:

1. Termination of Your employment (for reasons other than gross misconduct);2. Reduction of work hours including lay-off;3. Death of the Certficateholder;4. Divorce or legal separation;5. A child ceases to be a dependent as defined in this Policy;6. The Policyholder files for a Chapter 11 bankruptcy petition, and as a result to this You suffer a

loss of coverage under Your retiree coverage.

The maximum continuation of coverage period with respect to a reason described above is: (1) 18 months withrespect to 1 or 2 above. However, if You are disabled as determined under Title II or XVI of the Social Security Actat the time of the Qualifying Event or any time during the first 60 days of continuation coverage, then You and anyother non-disabled eligible individuals will be eligible for an additional 11 months; (2) 36 months with respect to 3,4 or 5 above; (3) With respect to 6 above, lifetime coverage for You, whereas Your Dependents will be covered


until the earlier of: (a) Your death; or (b) death of the Dependent. If, while insurance is being continued, furtherqualifying events occur which would entitle You to again elect continuation, the total period of continuation may notexceed 36 months from the date the initial continuation commenced, other than the coverage due to bankruptcyfiling as described above.

It is Your responsibility to notify the Policyholder of the occurrence of a Qualifying Event other than termination ofemployment or reduction in work hours. You must notify the Policyholder within 60 days.

It is the responsibility of the Policyholder to provide You with written notice of Your right to continue coverageunder this Section. Such notice will also contain the amount of monthly premium You must pay to continuecoverage and the time and manner in which such payments must be made.

To continue coverage under this Policy You must notify the Policyholder of Your election within 60 days of thelatest of: (1) the date of Qualifying Event; (2) the date of the loss of coverage; or (3) The date the Policyholdersends notice of the right to continue coverage.

Payment for the cost of insurance for the period preceding the election must be made to the Policyholder within 45days after the date of such election. Subsequent payments are to be made to the Policyholder in the mannerdescribed by the Policyholder in the notice. The Policyholder will remit the payments to CompBenefits.

Continuation of insurance will terminate at the earliest of the following dates: (1) The end of the maximumcontinuation of coverage period; (2) The last day of the period of coverage for which premiums have been paid, ifYou fail to make a premium payment when due; (3) Your becoming covered under another group vision care plan asemployee, spouse or dependent child; however, coverage will continue for a pre-existing condition for whichtreatment has already commenced and which is excluded or limited by the other group vision plan; (4)Discontinuance of this vision care benefit provision; or (5) The date Your employer ceases to provide any groupvision plan.

SECTION IX-GENERAL PROVISIONS

Representations and Warranties - All statements made by any Insured or the Group are deemed representationsand not warranties. No statement made by any person insured may be used in any contest unless a copy of theinstrument containing the statement is or has been furnished to You, or in the event of Your death or incapacity,Your beneficiary or personal representative.

Worker’s Compensation Act - The coverage under the Policy is not in lieu of and does not affect any requirementfor coverage by any Worker’s Compensation Act, or other similar legislation.

Conformity with State Statutes - Any provision of the Policy which, on its effective date, is in conflict with thestatutes of the state in which the Insured resides on such date is hereby amended to conform to the minimumrequirements of such statutes.

Time Limit on Certain Defenses - After the Policy has been in force for a period of two (2) years during thelifetime of the Insured, excluding any period during which the Insured is disabled, it shall become incontestable asto the statements contained in the application.

SCHEDULE OF BENEFITS

Vision Examinations - Each Insured is eligible for a comprehensive eye examination which shall include: 1)personal and family medical and ocular history; 2) visual acuity (unaided or acuity with present correction); 3)external exam; 4) pupillary exam; 5) visual field testing (confrontation); 6) internal exam (direct or indirectophthalmoscopy recording cup disc ratio, blood vessel status and any abnormalities: 7) biomicroscopy (i.e. covertest); 8) tonometry; 9) refraction (with recorded visual acuity); 10) extra ocular muscle balance assessment; 11)diagnosis and treatment plan. We will cover such service once in any 12 month period.


Materials - Where the vision examination shows new lenses or frames or both are necessary for proper visualhealth, such Materials will be covered, together with certain services as necessary. Services include, but are notlimited to: (1) prescribing and ordering proper lenses; (2) assisting with selection of frames; (3) verifying accuracyof finished lenses; (4) proper fitting and adjustments.

Lenses - One pair of prescription lenses once in any 12 month period.

Frames - One new frame once in any 12 month period.

Contact lenses when necessary – One pair of contact lenses under the following circumstances and only if priorauthorization from the Plan is obtained: 1) following cataract surgery without intraocular lens; 2) correction ofextreme visual acuity problems not correctable with glasses; 3) Anisometropia greater than 5.00 diopters andaesthenopia or diplopia, with spectacles; 4) Keratoconus; or 5) monocular aphakia and/or binocular aphakia wherethe doctor certifies contact lenses are medically necessary for safety and rehabilitation to a productive life.Replacement will not be more often than once in any 12 month period and only if prior authorization is obtainedfrom the Plan.

Contact lenses when elective - Benefits include: (1) The cost of an annual vision examination, subject to theCopayment; and (2) the cost of contact lenses, any fitting cost and follow-up visit up to a maximum of $130.00, notsubject to the Copayment. This benefit is in lieu of all other benefits and not available when benefits for eyeglassesare received. Replacement will not be more often than once in any 12 month period.

Co-Payment - An Insured's Co-payment is:

1. Vision Examination $15

2. Materials $0

Allowance – Vision benefits received from Non-VisionCare Plan Network Providers will be reimbursed accordingto the following schedule.

Vision Examination $35Single Vision Lens $25Bifocal Lens $40Trifocal Lens $60Lenticular Lens $100Contact Lenses when elective Exam+ $130Contact Lenses when necessary $210Frame $45

WHEN COVERED SERVICES ARE OBTAINED FROM A VISIONCARE PLAN NETWORKPROVIDER, THE INSURED IS ONLY RESPONSIBLE FOR THE CO-PAYMENT AMOUNT LISTEDABOVE.

WHEN SERVICES ARE OBTAINED FROM A NON-VISIONCARE PLAN NETWORK PROVIDER,PAYMENT OF BENEFITS ARE BASED UPON THE VISIONCARE PLAN ALLOWANCE.

Notices

The following pages contain important information about Humana's claims procedures and certain federallaws. There may be differences between the Certificate of Insurance and this Notice packet. There may alsobe differences between this notice packet and state law. The Plan participant is eligible for the rights morebeneficial to the participant.

This section includes notices about:

Claims and Appeal Procedures

Federal Legislation

Medical Child Support Orders

Continuation of Coverage for Full-time Students During Medical Leave of Absence

General Notice of COBRA Continuation of Coverage Rights

Tax Equity and Fiscal Responsibility Act of 1982 (TEFRA)

Family and Medical Leave Act (FMLA)

Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA)~Your Rights under ERISA

Privacy and Confidentiality Statement

CLAIMS AND APPEALS PROCEDURES

The Employee Retirement Income Security Act of 1974 (ERISA) established minimum requirements for claimsprocedures. Humana complies with these standards. Covered persons in insured plans subject to ERISA shouldalso consult their insurance benefit plan documents (e.g., the Certificate of Insurance or Evidence of Coverage).Humana complies with the requirements set forth in any such benefit plan document issued by it with respect to theplan unless doing so would prevent compliance with the requirements of the federal ERISA statute and theregulations issued thereunder. The following claims procedures are intended to comply with the ERISA claimsregulation, and should be interpreted consistent with the minimum requirements of that regulation. Covered personsin plans not subject to ERISA should consult their benefit plan documents for the applicable claims and appealsprocedures.

DISCRETIONARY AUTHORITY

With respect to paying claims for benefits or determining eligibility for coverage under a policy issued by Humana,Humana as administrator for claims determinations and as ERISA claims review fiduciary, shall have full andexclusive discretionary authority to:

1. Interpret plan provisions;2. Make decisions regarding eligibility for coverage and benefits; and3. Resolve factual questions relating to coverage and benefits.

CLAIMS PROCEDURESDefinitions

Adverse determination: means a decision to deny benefits for a pre-service claim or a post-service claim under agroup health and/or dental plan.

Claimant: A covered person (or authorized representative) who files a claim.

Concurrent-care Decision: A decision by the plan to reduce or terminate benefits otherwise payable for a course oftreatment that has been approved by the plan (other than by plan amendment or termination) or a decision with respectto a request by a Claimant to extend a course of treatment beyond the period of time or number of treatments that hasbeen approved by the plan.

Group health plan: an employee welfare benefit plan to the extent the plan provides dental care to employees or theirdependents directly (self insured) or through insurance (including HMO plans), reimbursement or otherwise.

Health insurance issuer: the offering company listed on the face page of your Certificate of Insurance or Certificate ofCoverage and referred to in this document as "Humana."

Post-service Claim: Any claim for a benefit under a group health plan that is not a Pre-service Claim.

Pre-service Claim: A request for authorization of a benefit for which the plan conditions receipt of the benefit, inwhole or in part, on advance approval.

Urgent-care Claim (expedited review): A claim for covered services to which the application of the time periods formaking non-urgent care determinations:

could seriously jeopardize the life or health of the covered person or the ability of the covered person to regainmaximum function; or

in the opinion of a physician with knowledge of the covered person's medical condition, would subject the coveredperson to severe pain that cannot be adequately managed without the service that is the subject of the claim.

Humana will make a determination of whether a claim is an Urgent-care Claim. However, any claim a physician, withknowledge of a covered person's medical condition, determines is a "Urgent-care Claim" will be treated as a "claiminvolving urgent care."

Submitting a Claim

This section describes how a Claimant files a claim for plan benefits.

A claim must be filed in writing and delivered by mail, postage prepaid, by FAX or e-mail. A request for pre-authorization may be filed by telephone. The claim or request for pre-authorization must be submitted to Humana orto Humana's designee at the address indicated in the covered person's benefit plan document or identification card.Claims will be not be deemed submitted for purposes of these procedures unless and until received at the correctaddress.

Claims submissions must be in a format acceptable to Humana and compliant with any legal requirements. Claimsnot submitted in accordance with the requirements of applicable federal law respecting privacy of protected healthinformation and/or electronic claims standards will not be accepted by Humana.

Claims submissions must be timely. Claims must be filed as soon as reasonably possible after they are incurred, andin no event later than the period of time described in the benefit plan document.

Claims submissions must be complete and delivered to the designated address. At a minimum they must include:

Name of the covered person who incurred the covered expense.

Name and address of the provider

Diagnosis

Procedure or nature of the treatment

Place of service

Date of service

Billed amount

A general request for an interpretation of plan provisions will not be considered a claim. Requests of this type, suchas a request for an interpretation of the eligibility provisions of the plan, should be directed to the plan administrator.

Procedural Defects

If a Pre-service Claim submission is not made in accordance with the plan's requirements, Humana will notify theClaimant of the problem and how it may be remedied within five (5) days (or within 24 hours, in the case of anUrgent-care Claim). If a Post-service Claim is not made in accordance with the plan's requirement, it will bereturned to the submitter.

Authorized Representatives

A covered person may designate an authorized representative to act on his or her behalf in pursuing a benefit claimor appeal. The authorization must be in writing and authorize disclosure of health information. If a document is notsufficient to constitute designation of an authorized representative, as determined by Humana, the plan will notconsider a designation to have been made. An assignment of benefits does not constitute designation of anauthorized representative.

Any document designating an authorized representative must be submitted to Humana in advance or at the timean authorized representative commences a course of action on behalf of the covered person. Humana may verifythe designation with the covered person prior to recognizing authorized representative status.

In any event, a health care provider with knowledge of a covered person's medical condition acting inconnection with an Urgent-care Claim will be recognized by the plan as the covered person's authorizedrepresentative.

Covered persons should carefully consider whether to designate an authorized representative. Circumstances mayarise under which an authorized representative may make decisions independent of the covered person, such aswhether and how to appeal a claim denial.

Claims Decisions

After a determination on a claim is made, Humana will notify the Claimant within a reasonable time, as follows:

Pre-service Claims

Humana will provide notice of a favorable or adverse determination within a reasonable time appropriate to themedical circumstances but no later than 15 days after the plan receives the claim.

This period may be extended by an additional 15 days, if Humana determines the extension is necessary due tomatters beyond the control of the plan. Before the end of the initial 15-day period, Humana will notify the Claimantof the circumstances requiring the extension and the date by which Humana expects to make a decision.

If the reason for the extension is because Humana does not have enough information to decide the claim, the noticeof extension will describe the required information, and the Claimant will have at least 45 days from the date thenotice is received to provide the necessary information.

Urgent-care Claims (expedited review)

Humana will determine whether a particular claim is an Urgent-care Claim. This determination will be based oninformation furnished by or on behalf of a covered person. Humana will exercise its judgment when making thedetermination with deference to the judgment of a physician with knowledge of the covered person's condition.Humana may require a Claimant to clarify the medical urgency and circumstances supporting the Urgent-care Claimfor expedited decision-making.

Notice of a favorable or adverse determination will be made by Humana as soon as possible, taking into account themedical urgency particular to the covered person's situation, but not later than 72 hours after receiving the Urgent-care Claim.

If a claim does not provide sufficient information to determine whether, or to what extent, services are coveredunder the plan, Humana will notify the Claimant as soon as possible, but not more than 24 hours after receiving theUrgent-care Claim. The notice will describe the specific information necessary to complete the claim. TheClaimant will have a reasonable amount of time, taking into account the covered person's circumstances, to providethe necessary information - but not less than 48 hours.

Humana will provide notice of the plan's Urgent-care Claim determination as soon as possible but no more than 48hours after the earlier of:

The plan receives the specified information; or

The end of the period afforded the Claimant to provide the specified additional information.

Concurrent-care Decisions

Humana will notify a Claimant of a Concurrent-care Decision involving a reduction or termination of pre-authorizedbenefits sufficiently in advance of the reduction or termination to allow the Claimant to appeal and obtain adetermination.

Humana will decide Urgent-care Claims involving an extension of a course of treatment as soon as possible takinginto account medical circumstances. Humana will notify a Claimant of the benefit determination, whether adverseor not, within 24 hours after the plan receives the claim, provided the claim is submitted to the plan 24 hours prior tothe expiration of the prescribed period of time or number of treatments.

Post-service Claims

Humana will provide notice of a favorable or adverse determination within a reasonable time appropriate to themedical circumstances but no later than 30 days after the plan receives the claim.

This period may be extended an additional 15 days, if Humana determines the extension is necessary due to mattersbeyond the plan's control. Before the end of the initial 30-day period, Humana will notify the affected Claimant ofthe extension, the circumstances requiring the extension and the date by which the plan expects to make a decision.

If the reason for the extension is because Humana does not have enough information to decide the claim, the noticeof extension will describe the required information, and the Claimant will have at least 45 days from the date thenotice is received to provide the specified information. Humana will make a decision on the earlier of the date onwhich the Claimant responds or the expiration of the time allowed for submission of the requested information.

Initial Denial Notices

Notice of a claim denial (including a partial denial) will be provided to Claimants by mail, postage prepaid, by FAXor by e-mail, as appropriate, within the time frames noted above. With respect to adverse decisions involvingUrgent-care Claims, notice may be provided to Claimants orally within the time frames noted above. If oral noticeis given, written notification must be provided no later than 3 days after oral notification.

A claims denial notice will convey the specific reason for the adverse determination and the specific plan provisionsupon which the determination is based. The notice will also include a description of any additional informationnecessary to perfect the claim and an explanation of why such information is necessary. The notice will disclose ifany internal plan rule, protocol or similar criterion was relied upon to deny the claim. A copy of the rule, protocol orsimilar criterion will be provided to Claimants, free of charge, upon request.

The notice will describe the plan's review procedures and the time limits applicable to such procedures, including astatement of the Claimant's right to bring a civil action under ERISA Section 502(a) following an adverse benefitdetermination on review.

If an adverse determination is based on medical necessity, experimental treatment or similar exclusion or limitation,the notice will state that an explanation of the scientific or clinical basis for the determination will be provided, freeof charge, upon request. The explanation will apply the terms of the plan to the covered person's medicalcircumstances.

In the case of an adverse decision of an Urgent-care Claim, the notice will provide a description of the plan'sexpedited review procedures.

APPEALS OF ADVERSE DETERMINATIONS

A Claimant must appeal an adverse determination within 180 days after receiving written notice of the denial (orpartial denial). An appeal may be made by a Claimant by means of written application to Humana, in person, or bymail, postage prepaid.

A Claimant, on appeal, may request an expedited appeal of an adverse Urgent-care Claim decision orally or inwriting. In such case, all necessary information, including the plan's benefit determination on review, will betransmitted between the plan and the Claimant by telephone, facsimile, or other available similarly expeditiousmethod, to the extent permitted by applicable law.

Determination of appeals of denied claims will be conducted promptly, will not defer to the initial determination andwill not be made by the person who made the initial adverse claim determination or a subordinate of that person.The determination will take into account all comments, documents, records, and other information submitted by theClaimant relating to the claim.

On appeal, a Claimant may review relevant documents and may submit issues and comments in writing. AClaimant on appeal may, upon request, discover the identity of medical or vocational experts whose advice wasobtained on behalf of the plan in connection with the adverse determination being appealed, as permitted underapplicable law.

If the claims denial is based in whole, or in part, upon a medical judgment, including determinations as to whether aparticular treatment, or other service is experimental, investigational, or not medically necessary or appropriate, theperson deciding the appeal will consult with a health care professional who has appropriate training and experiencein the field of medicine involved in the medical judgment. The consulting health care professional will not be thesame person who decided the initial appeal or a subordinate of that person.

Time Periods for Decisions on Appeal

Appeals of claims denials will be decided and notice of the decision provided as follows:Urgent-care Claims As soon as possible but no later than 72 hours after Humana receives the

appeal request.Pre-service Claims Within a reasonable period but no later than 30 days after Humana

receives the appeal request.Post-service Claims Within a reasonable period but no later than 60 days after Humana

receives the appeal requestConcurrent-careDecisions

Within the time periods specified above depending on the type of claiminvolved.

Appeals Denial Notices

Notice of a claim denial (including a partial denial) will be provided to Claimants by mail, postage prepaid, by FAXor by e-mail, as appropriate, within the time periods noted above.

A notice that a claim appeal has been denied will include:

The specific reason or reasons for the adverse determination.

Reference to the specific plan provision upon which the determination is based.

If any internal plan rule, protocol or similar criterion was relied upon to deny the claim. A copy of the rule,protocol or similar criterion will be provided to the Claimant, free of charge, upon request.

A statement describing any voluntary appeal procedures offered by the plan and the claimant's right to obtainthe information about such procedures, and a statement about the Claimant's right to bring an action undersection 502(a) of ERISA.

If an adverse determination is based on medical necessity, experimental treatment or similar exclusion orlimitation, the notice will state that an explanation of the scientific or clinical basis for the determination will beprovided, free of charge, upon request. The explanation will apply the terms of the plan to the covered person'smedical circumstances.

In the event an appealed claim is denied, the Claimant, will be entitled to receive without charge reasonable accessto, and copies of, any documents, records or other information that:

Was relied upon in making the determination.

Was submitted, considered or generated in the course of making the benefit determination, without regard towhether such document, record or other information was relied upon in making the benefit determination.

Demonstrates compliance with the administrative processes and safeguards required in making thedetermination.

Constitutes a statement of policy or guidance with respect to the plan concerning the denied treatment option orbenefit for the claimant's diagnosis, without regard to whether the statement was relied on in making the benefitdetermination.

EXHAUSTION OF REMEDIES

Upon completion of the appeals process under this section, a Claimant will have exhausted his or her administrativeremedies under the plan. If Humana fails to complete a claim determination or appeal within the time limits setforth above, the claim shall be deemed to have been denied and the Claimant may proceed to the next level in thereview process.

After exhaustion of remedies, a Claimant may pursue any other legal remedies available, which may includebringing civil action under ERISA section 502(a) for judicial review of the plan's determination. Additionalinformation may be available from the local U.S. Department of Labor Office.

LEGAL ACTIONS AND LIMITATIONS

No lawsuit may be brought with respect to plan benefits until all remedies under the plan have been exhausted.

No lawsuit with respect to plan benefits may be brought after the expiration of the applicable limitations periodstated in the benefit plan document. If no limitation is stated in the benefit plan document, then no such suit may bebrought after the expiration of the applicable limitations under applicable law.

MEDICAL CHILD SUPPORT ORDERS

An individual who is a child of a covered employee shall be enrolled for coverage under the group health plan inaccordance with the direction of a Qualified Medical Child Support Order (QMCSO) or a National Medical SupportNotice (NMSO).

A QMCSO is a state-court order or judgment, including approval of a settlement agreement that: (a) provides forsupport of a covered employee's child; (b) provides for health care coverage for that child; (c) is made under statedomestic relations law (including a community property law); (d) relates to benefits under the group health plan; and(e) is "qualified," i.e., it meets the technical requirements of ERISA or applicable state law. QMCSO also means a

state court order or judgment enforcing state Medicaid law regarding medical child support required by the SocialSecurity Act section 1908 (as added by Omnibus Budget Reconciliation Act of 1993).

An NMSO is a notice issued by an appropriate agency of a state or local government that is similar to a QMCSOrequiring coverage under the group health plan for a dependent child of a non-custodial parent who is (or willbecome) a covered person by a domestic relations order providing for health care coverage.

Procedures for determining the qualified status of medical child support orders are available at no cost upon requestfrom the plan administrator.

CONTINUATION OF COVERAGE FOR FULL-TIME STUDENTS DURING MEDICAL LEAVE OFABSENCE

A dependent child who is in regular full-time attendance at an accredited secondary school,college or university, or licensed technical school continues to be eligible for coverage for untilthe earlier of the following if the dependent child takes a medically necessary leave of absence:

- Up to one year after the first day of the medically necessary leave of absence; or- The date coverage would otherwise terminate under the plan.

We may require written certification from the dependent child’s health care practitioner that thedependent child has a serious bodily injury or sickness requiring a medically necessary leave ofabsence.

GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTSIntroduction

You are receiving this notice because you have recently become covered under a group health and/or dental plan(the Plan). This notice contains important information about your right to COBRA continuation coverage, which isa temporary extension of coverage under the Plan. This notice generally explains COBRA continuation coverage,when it may become available to you and your family, and what you need to do to protect the right to receive it.

The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus BudgetReconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you when youwould otherwise lose your group health and/or dental coverage. It can also become available to other members ofyour family who are covered under the Plan when they would otherwise lose their group health and/or dentalcoverage. For additional information about your rights and obligations under the Plan and under federal law, youshould review the Plan’s benefit plan document or contact the Plan Administrator.

What is COBRA Continuation Coverage?

COBRA continuation coverage is a continuation of Plan coverage when coverage would otherwise end because of alife event known as a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifyingevent, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, yourspouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost becauseof the qualifying event. Under the Plan, the qualified beneficiaries who elect COBRA continuation coverage mustpay for COBRA continuation coverage.

If you are an employee, you will become a qualified beneficiary if you lose your coverage under the Plan becauseeither one of the following qualifing events happens:

Your hours of employment are reduced, or

Your employment ends for any reason other than gross misconduct.

If you are the spouse of an employee, you will become a qualified beneficiary if you lose your coverage under thePlan because any of the following events happen:

Your spouse dies;

Your spouse’s hours of employment are reduced;

Your spouse’s employment ends for any reason other than his or her gross misconduct;

Your spouse becomes entitled to Medicare benefits (under Part A, Part B or both); or

You become divorce or legally separation from your spouse.

Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of any ofthe following qualifying events happen:

The parent-employee dies;

The parent-employee’s hours of employment are reduced;

The parent-employee’s employment ends for any reason other than his or her gross misconduct;

The parent-employee becomes entitled to Medicare benefits (Part A, Part B or both);

The parents become divorced or legally separated; or

The child stops being eligible for coverage under the plan as a "dependent child."

When is COBRA Coverage Available

The plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator hasbeen notified that a qualifying event has occurred. When the qualifying event is the end of employment or reductionof hours of employment, death of the employee, or commencement of a proceeding in bankruptcy with respect to theemployer, the employer must notify the Plan Administrator of the qualifying event.

You Must Give Notice of Some Qualifying Events

For the other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’slosing eligibility for coverage as a dependent child) you must notify the Plan Administrator within 60 daysafter the qualifying event occurs.

How is COBRA Coverage Provided?

Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coveragewill be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right toelect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf oftheir spouses, and parents may elect COBRA continuation coverage on behalf of their children. Once the PlanAdministrator offers COBRA continuation coverage, the qualified beneficiaries must elect such coverage within 60days.

COBRA continuation coverage is a temporary continuation of coverage. When the qualifying event is the death ofthe employee, your divorce or legal separation, or a dependent child’s losing eligibility as a dependent child,COBRA continuation coverage last for up to a total of 36 months. When the qualifying event is the end ofemployment, or reduction in the employee’s hours of employment, and the employee became entitled to Medicarebenefits less than 18 months before the qualifying event, COBRA continuation coverage for qualified beneficiariesother than the employee last until 36 months after the date of Medicare entitlement. For example, if a coveredemployee becomes entitled to Medicare 8 months before the date on which the employment terminates, COBRAcontinuation coverage for his spouse and children can last up to 36 months after the date of Medicare entitlement,which is equal to 28 months after the date of the qualifying event (36 months minus 8 months). Otherwise, when thequalifying event is the end of employment or reduction of the employee’s hours of employment, COBRAcontinuation coverage generally last for only up to a total of 18 months. There are two ways in which this 18-monthperiod of COBRA continuation coverage can be extended.

Disability Extension of 18-Month Period of Continuation Coverage

If you or anyone in your family covered under the Plan is determined by the Social Security Administration to bedisabled and you notify the Plan Administrator within 60 days of such determination, you and your entire familymay be entitled to receive up to an additional 11 months of COBRA continuation coverage, for a total of 29 months.The disability would have to have started at some time before the 60th day of COBRA continuation coverage andmust last at least until the end of the 18-month period of continuation coverage.

Second Qualifying Event Extension of 18-Month Period of Continuation Coverage

If your family experiences another qualifying event while receiving 18 months of COBRA continuation coverage,the spouse and dependent children in your family can get up to 18 additional months of COBRA continuationcoverage, for a maximum of 36 months, if notice of the second qualifying event is given to the Plan within 60 daysof the event. This extension may be available to the spouse and any dependent children receiving continuationcoverage if the employee or former employee dies, gets divorced or legally separated, or if the dependent child stopsbeing eligible under the plan as a dependent child, but only if the event would have caused the spouse or dependentchild to lose coverage under the Plan had the first qualifying event not occurred.

If You Have Questions

Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the PlanAdministrator. For more information about your rights under ERISA, including COBRA, or other laws affectingyour group heath and/or dental plans, contact the nearest Regional or District Office of the U.S. Department ofLabor’s Employee Benefits Security Administration (EBSA) in your area or visit the EBSA website atwww.dol.gob/ebsa. (address and phone numbers of Regional and District EBSA Office are available throughEBSA’s website.)

Keep Your Plan Informed of Address Changes

In order to protect your family’s rights, you should keep the Plan Administrator informed of any changes in theaddresses of family members. You should also keep a copy, for your records, of any notices you send the PlanAdministrator.

IMPORTANT NOTICE FOR INDIVIDUALS ENTITLED TO MEDICARE TAX EQUITY AND FISCALRESPONSIBILITY ACT OF 1982 (TEFRA) OPTIONS

Where an employer employs more than 20 people, the Tax Equity And Fiscal Responsibility Act of 1982 (TEFRA)allows covered employees in active service who are age 65 or older and their covered spouses who are eligible forMedicare to choose one of the following options.

OPTION 1 - The benefits of their group health plan will be payable first and the benefits of Medicare will bepayable second.

OPTION 2 - Medicare benefits only. The employee and his or her dependents, if any, will not be insured bythe group health plan.

The employer must provide each covered employee and each covered spouse with the choice to elect one of theseoptions at least one month before the covered employee or the insured spouse becomes age 65. All new coveredemployees and newly covered spouses age 65 or older must be offered these options. If Option 1 is chosen, its issueis subject to the same requirements as for an employee or dependent that is under age 65.

Under TEFRA regulations, there are two categories of persons eligible for Medicare. The calculation and paymentof benefits by the group health plan differs for each category.

Category 1 Medicare eligibles are:

Covered employees in active service who are age 65 or older who choose Option 1;

Age 65 or older covered spouses; and

Age 65 or older covered spouses of employees in active service who are either under age 65 or age 70 or older;

Category 2 Medicare eligibles are any other covered persons entitled to Medicare, whether or not they enrolled.This category includes, but is not limited to:

Retired employees and their spouses; or

Covered dependents of a covered employee, other than his or her spouse.

Calculation and Payment of Benefits

For covered persons in Category 1, benefits are payable by the policy without regard to any benefits payable byMedicare. Medicare will then determine its benefits.

For covered persons in Category 2, Medicare benefits are payable before any benefits are payable by the policy.The benefits of the policy will then be reduced by the full amount of all Medicare benefits the covered person isentitled to receive, whether or not the eligible individual is actually enrolled for Medicare Benefits.

FAMILY AND MEDICAL LEAVE ACT (FMLA)

If an employee is granted a leave of absence (Leave) by the employer as required by the Federal Family and MedicalLeave Act, s/he may continue to be covered under the plan for the duration of the Leave under the same conditionsas other employees who are currently employed and covered by the plan. If the employee chooses to terminatecoverage during the Leave, or if coverage terminates as a result of nonpayment of any required contribution,coverage may be reinstated on the date the employee returns to work immediately following the end of the Leave.Charges incurred after the date of reinstatement will be paid as if the employee had been continuously covered.

UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT OF1994 (USERRA)

Continuation of Benefits

Effective October 13, 1994, federal law requires health plans offer to continue coverage foremployees that are absent due to service in the uniformed services and/or dependents.

EligibilityAn employee is eligible for continuation under USERRA if he or she is absent from employmentbecause of voluntary or involuntary performance of duty in the Armed Forces, Army NationalGuard, Air National Guard, or commissioned corps of the Public Health Service. Duty includesabsence for active duty, active duty for training, initial active duty for training, inactive dutytraining and for the purpose of an examination to determine fitness for duty.

An employee's dependents that have coverage under the plan immediately prior to the date of theemployee's covered absence are eligible to elect continuation under USERRA.

If continuation of Plan coverage is elected under USERRA, the employee or dependent isresponsible for payment of the applicable cost of coverage. If the employee is absent for notlonger than 31 days, the cost will be the amount the employee would otherwise pay for coverage.For absences exceeding 30 days, the cost may be up to 102% of the cost of coverage under theplan. This includes the employee's share and any portion previously paid by the employer.

Duration of CoverageOf elected, continuation coverage under USERRA will continue until the earlier of:

1. Twenty-four months beginning the first day of absence from employment due to service in the uniformedservices; or

2. The day after the employee fails to apply for a return to employment as required by USERRA, after thecompletion of a period of service.

Under federal law, the period coverage available under USERRA shall run concurrently with theCOBRA period available to an employee and/or eligible dependent.

Other InformationEmployees should contact their employer with any questions regarding coverage normallyavailable during a military leave of absence or continuation coverage and notify the employer ofany changes in marital status, or change of address.

YOUR RIGHTS UNDER ERISA

Under the Employee Retirement Income Security Act of 1974 (ERISA), all plan participants covered by ERISA areentitled to certain rights and protections, as described below. Notwithstanding anything in the group health plan orgroup insurance policy, following are a covered person’s minimum rights under ERISA. ERISA requirements do notapply to plans maintained by governmental agencies or churches.

Information About the Plan and Benefits

Plan participants may:

1. Examine, free of charge, all documents governing the plan. These documents are available in the planadministrator's office.

2. Obtain, at a reasonable charge, copies of documents governing the plan, including a copy of any updatedsummary plan description and a copy of the latest annual report for the plan (Form 5500), if any, by writing to theplan administrator.3. Obtain, at a reasonable charge, a copy of the latest annual report (Form 5500) for the plan, if any, by writing tothe plan administrator.

As a plan participant, you will receive a summary of any material changes made in the plan within 210 days after theend of the plan year in which the changes are made unless the change is a material reduction in covered services orbenefits, in which case you will receive a summary of the material reduction within 60 days after the date of itsadoption.

If the plan is required to file a summary annual financial report, you will receive a copy from the plan administrator.

Responsibilities of Plan Fiduciaries

In addition to creating rights for plan participants, ERISA imposes duties upon the people who are responsible forthe operation of the plan. These people, called 'fiduciaries" of the plan, have a duty to act prudently and in theinterest of plan participants and beneficiaries.

No one, including an employer, may discharge or otherwise discriminate against a plan participant in any way toprevent the participant from obtaining a benefit to which the participant is otherwise entitled under the plan or fromexercising ERISA rights.

Continue Group Health Plan Coverage

Participants may be eligible to continue health care coverage for themselves, their spouse or dependents if there is aloss of coverage under the group health plan as a result of a qualifying event. You or your dependents may have topay for such coverage. Review the COBRA notice in this document regarding the rules governing COBRAcontinuation coverage rights.

Claims Determinations

If a claim for a plan benefit is denied or disregarded, in whole or in part, participants have the right to know why thiswas done, to obtain copies of documents relating to the decision without charge and to appeal any denial withincertain time schedules.

Enforce Your Rights

Under ERISA, there are steps participants may take to enforce the above rights. For instance, if a participantrequests a copy of plan documents does not receive them within 30 days, the participant may file suit in a Federalcourt. In such a case, the court may require the plan administrator to provide the materials and pay you up to $ 110 aday until the participant receives the materials, unless the materials were not sent because of reasons beyond thecontrol of the plan administrator. If a claim for benefits is denied or disregarded, in whole or in part, the participantmay file suit in a state or Federal court. In addition, if the participant disagrees with the plan's decision, or lackthereof, concerning the qualified status of a domestic relations order or a medical child support order, the participantmay file suit in Federal court. If plan fiduciaries misuse the plan's money, or if participants are discriminated againstfor asserting their rights, they may seek assistance from the U.S. Department of Labor, or may file suit in a Federalcourt.

The court will decide who should pay court costs and legal fees. If the participant is successful, the court may orderthe person sued to pay costs and fees. If the participant loses, the court may order the participant to pay the costs andfees.

Assistance with Questions

Contact the group health plan human resources department or the plan administrator with questions about the plan.Contact the nearest area office of the Employee Benefits Security Administration, U.S. Department of Labor, listed

in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits SecurityAdministration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210 with questionsabout ERISA rights. Call the publications hotline of the Employee Benefits Security Administration to obtainpublications about ERISA rights.

PRIVACY AND CONFIDENTIALITY STATEMENT

We understand the importance of keeping your personal and health information private (PHI). PHI includes bothmedical information and individually identifiable information, such as your name, address, telephone number orsocial security number. We are required by applicable federal and state law to maintain the privacy of your PHI.

Under both law and our policies, we have a responsibility to protect the privacy of your PHI. We:

Protect your privacy by limiting who may see your PHI; Limit how we may use or disclose your PHI; Inform you of our legal duties with respect to your PHI; Explain our privacy policies; and Strictly adhere to the policies currently in effect.

We reserve the right to change our privacy practices at any time, as allowed by applicable law, rules and regulations.We reserve the right to make changes in our privacy practices for all PHI that we maintain, including informationwe created or received before we made the changes. When we make a significant change in our privacy practices,we will send notice to our health plan subscribers. For more information about our privacy practices, please contactus.

As a covered person, we may use and disclose you PHI, without your consent/authorization, in the following ways:

Treatment: we may disclose your PHI to a health care practitioner, a hospital or other entity which asks for it inorder for you to receive medical treatment.

Payment: we may use and disclose your PHI to pay claims for covered services provided to you by health carepractitioners, hospitals or other entities.

We may use and disclose your PHI to conduct other health care operations activities.

It has always been our goal to ensure the protection and integrity of your personal and health information.Therefore, we will notify you of any potential situations where your identification would be used for reasons otherthan treatment, payment and health plan operations.

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